Business Liability Insurance
Even if you take every precaution to remove all possible hazards from your business, you still could be sued for accidents resulting from the carelessness of any visitor. That is why Business Liability Insurance is a must.
Yes, you can protect yourself and your business from financially devastating claims that may occur because of events over which you have minimal control. Business Liability Insurance serves to protect against the unknown risks posed by products, directors & officers, errors & omissions, discrimination and other such liabilities.
Insuranceology provides Business Liability Insurance from top-rated insurers to Manufacturers, Wholesale, Retail, Services, Transportation, Construction, Commercial Real Estate, Contractors, Restaurants, Hotels, Apartments, and many other businesses in Virginia. We have the experience and the necessary resources to analyze and recommend the correct amount of Business Liability Insurance for your small business.
Protecting your Assets and Liabilities
Our exposure analysis identifies your business’ risks and recommends the optimal blend of insurance coverage and risk management. This generally involves a combination of:
- Workers Compensation
- Property Liability
- Business Auto Insurance
- and More
Business Liability Insurance Features
Business liability insurance coverage insures your business in the event of accidents and injury that might occur on your premises and exposures related to your products. It will protect your business from possible huge payments for bodily injury or property damage to a third party and for medical expenses resulting from the underlying incident. It will also absorb the cost of defending lawsuits that may include investigations or settlements, and for any judgments or bonds required during an appeal.
What You Need to Know About:“EPLI”
Employment practice Liability Insurance can protect you and your business from events that are not covered under most general liability insurance policies such as:
- Discrimination (failure or refusal to hire or any other wrongful treatment of people based on their race, sex, color, religion, sexual orientation, age, disability or other status that is protected by federal, state, or local statute or ordinance);
- Harassment (of either a sexual or non-sexual nature); and
- Wrongful Termination (any actual or alleged wrongful dismissal, discharge or termination of employment, including breach of contract).
Your reaction to bad behavior may be completely justified; it may even be a smart business decision that would appear to be beyond reproach. But, if you’re challenged, and you have to go to court to defend yourself, you’re on your own unless you have Employment Practices Liability Insurance. And the cost of defending these claims can be HUGE! In Fact In Most Cases The Cost Of Defense Is The Greatest Cost!
What Should You Do Next?
Regardless of whether you’re a small contractor, large employer or a small business owner, Insuranceology can provide liability insurance coverage for your business at an affordable cost.
Insuranceology is a full service Independent Insurance Agency that represents many top-rated companies. We assess risks and shop companies to find the best coverage for the price. Our clients get the best value for the insurance they need.
Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote. Let us do the research and find the best value for the Business Liability Insurance you need.
Insurance for Different Business Types
On the right sidebar of this page, we have include links to a number of business insurance resources. Click on any of the different business types to learn more about the insurance coverages for that type of business. Please call one of our commercial insurance agents at Insuranceology for any assistance.
Why Choose INSURANCEOLOGY?
It’s all about what we “Give” you and what you can count on and “Take” to the bank.
We “give” you all the personalized attention you deserve. We want to understand what “your world” looks like so we can create a tailor-made plan that protects the things you value most and at a price that fits your budget.
We “give” you access to top-rated insurance carriers in Virginia. Carriers that are rock solid and have been around for over 165 years and can assure you of peace of mind when you need it most. Companies with total access to the things you need when you need them; direct claims access, direct customer support, payment options, websites and apps for people on the go, and the ability to handle and pay claims quickly.
We “give” world class customer service to our clients. With over thirty years of customer service experience and training from some of the largest corporate names in the world, providing our customers with the care and considerations they deserve is our top priority and greatest concern. Our agency thrives on repeat and referral business and without professional, timely, and efficient care our clients will not recommend our services to others.
We “give” you “all things insurance” as our brand and logo imply. With our many years of experience and the effort we have made to educate ourselves across every aspect of insurance, we can provide you with access to every type of insurance you may need. We might not have all the answers, but we can do the research and get you the answers you need. If there are products we don’t have, we can get them. If not, we can put you in touch with someone that does. With our personal relationships and network of insurance professionals in Virginia, no answer or resolution is too far away.
“Take” heart in knowing that we have done our homework and have learned everything we possible can about what’s important your world and what you want to protect; family, health, assets, or business. We want you to rest easy in knowing we care enough to ask the hard questions in order to protect the things you didn’t remember to ask about. Mark Twain said, “What gets us into trouble is not what we don’t know. It’s what we know for sure that just ain’t so.” As true as that is, we also uncover those things you didn’t know to ask about.
“Take” comfort in knowing that the insurance provider we place you with has the financial strength, track record, and resources to keep you on track to meet you goals as life happens. Life isn’t always easy and when it’s not, you need to the peace of mind of knowing it will be taken care of.
“Take” control or give it to us. Your customer service needs are at your fingertips. Our select portfolio of carriers has you covered when it comes to being able to access your coverage information, ID Cards, change requests, payments, and more. By providing you with insurance companies that have created world class websites and phone apps, you have immediate, 24/7 access to nearly anything you may need.
“Take” it to the bank. Not just the savings you may enjoy by allowing us to shop the competition for you, but also for the knowledge and experience that only years in the business can give. At Insuranceology, we are committed to continuing education through training and certification courses and to expanding our growing network of agency partners across the state of Virginia. As G.I. Joe would say, “Knowing is half the battle”.
High Insurance Carrier Expectations
Insurance Carrier Selection Criteria. We only do business with top rated companies.
- Strong online presence and web tools for our clients
- Mobile apps to meet the demand for instant access to ID Cards, reporting losses, and making payments or requesting changes while on the go
- Direct phone contact numbers for reporting claims and making payments
- Flexible payment methods and plans
- The ability to handle and pay any insurance claim
- Quick response times when a claim is reported
- AM Best ratings of “Excellent” or higher